More hazard damage per building is expected in Spring Valley Village than in 77% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Spring Valley Village gets a C− for hazard risk: higher expected damage per building than 77% of U.S. towns, #530 of 642 in Texas. Most of that expected damage is river and rain flooding (66%), then hurricanes (28%). Flood insurance has paid 81 claims here since 1981.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Spring Valley Village faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Spring Valley Village’s grade
River and rain flooding is 66% of the building damage FEMA expects in Spring Valley Village, and Spring Valley Village’s rate of river and rain flooding damage is higher than 75% of U.S. census tracts. Next is hurricanes at 28% (higher than 88% of U.S. census tracts).
C− #530 of 642 in Texas; higher expected damage per building than 77% of U.S. towns (21,298).
All of Spring Valley Village’s residents live in one census tract; the figures are that tract’s.
The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Spring Valley Village has more expected damage per building than 83% of Texas towns.
In dollars, FEMA expects about $2.8M a year in losses across Spring Valley Village: $2.2M to buildings, the rest to people and crops.
Does Spring Valley Village flood? Sometimes: 81 flood claims since 1981
Every paid claim on a federal flood insurance policy in Spring Valley Village, from FEMA’s records: 58.7 per 1,000 homes, more than 94% of the 13,809 U.S. towns with a flood insurance record.
- The Spring Storm11 claims · $554K
- The Early summer storms8 claims · $469K
- Hurricane Ike8 claims · $76K
Spring Valley Village isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Harris County.5 federal disasters brought FEMA money to Spring Valley Village
Disasters that paid out in Spring Valley Village itself (aid to households or repair grants to the City of Spring Valley Village), newest first, with that year’s flood claims.
- 2021Severe Winter Storms1 households applied for aid$101K to the City of Spring Valley Village for repairs
- 2020Tropical Storms Marco and Laura$68K to the City of Spring Valley Village for repairs
- 2017Hurricane Harvey1 households applied for aid$130K to the City of Spring Valley Village for repairs6 flood claims paid for it, $71K
- 2008Hurricane Ike$103K to the City of Spring Valley Village for repairs8 flood claims paid for it, $76K
- 2005Hurricane Rita$45K to the City of Spring Valley Village for repairs
Harris County has had 34 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Harris County, 2011–2011.
Old photos of Spring Valley Village after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Spring Valley Village archive →Spring Valley Village and its neighbors
Spring Valley Village is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Hedwig Village | C+more damage than 64% | river and rain flooding | 107 |
| Spring Valley Village | C−more damage than 77% | river and rain flooding | 81 |
| Hunters Creek Village | C−more damage than 79% | river and rain flooding | 198 |
| Hilshire Village | — | not graded yet | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Spring Valley Village faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Spring Valley Village
Is Spring Valley Village at risk for natural disasters?
On FEMA’s National Risk Index, Spring Valley Village has higher expected damage per building than 77% of U.S. towns: C− for hazard risk, #530 of 642 in Texas. Most of the expected damage is river and rain flooding (66%) and hurricanes (28%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Spring Valley Village flood?
Flood insurance has paid 81 claims in Spring Valley Village since 1981, $2.1M in all, or 58.7 per 1,000 homes, more than 94% of U.S. towns with a flood insurance record. 8 properties have flooded more than once. The most claims came from Spring Storm (11).
Is Spring Valley Village in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Harris County, 48% of homes in mapped flood zones carry federal flood insurance, and 16.6% of all homes do.
How much is flood insurance in Spring Valley Village?
FEMA’s Community Rating System list shows no discount for Spring Valley Village’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Spring Valley Village?
By FEMA money that reached Spring Valley Village, Hurricane Harvey (2017): 1 households applied for aid, $0 approved, and $130K to the City of Spring Valley Village for repairs. By flood claims, Spring Storm: 11 paid, $554K.
Is Spring Valley Village at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (66%), and Spring Valley Village’s rate for it is higher than 75% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Spring Valley Village.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Spring Valley Village’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.